Capital Gains Tax on £25,000
After the £3,000 annual exemption, your taxable gain is £22,000. CGT ranges from £2,373 to £5,280 depending on asset type and income.
CGT on £25,000 by Asset Type & Tax Band
Medium Gain - Multiple Strategies Available
A £25,000 gain offers several tax planning opportunities worth exploring.
- • Consider bed & ISA or bed & SIPP for shares
- • Time the sale to optimize your income tax position
- • Offset any capital losses from current or previous years
- • For property: claim Private Residence Relief if applicable
Asset Details
Calculate CGT for 2025/26
Determines if basic or higher CGT rate applies
Capital Gains Tax
Property • 24.0% effective rate
What You Keep After CGT
Property Sale (Higher Rate)
Share Sale (Higher Rate)
Real-World Example
Property: Buy-to-Let Sale
You bought a rental property for £250,000 and sold it for £275,000, making a £25,000 gain. As a higher rate taxpayer:
• Sale price: £275,000
• Purchase price: £250,000
• Gain: £25,000
• CGT due: £5,280
⚠️ Report and pay within 60 days of completion
CGT on £25,000 Property Gain
For a £25,000 gain on a second home or buy-to-let property, you'll pay £4,064 (basic rate taxpayer) or £5,280 (higher rate taxpayer). Remember to report and pay within 60 days of completion.
CGT on £25,000 Share Profit
For £25,000 profit on shares or investments, CGT is lower: £2,373 (basic rate) or £4,400 (higher rate). Gains within ISAs are completely tax-free.
💡 Reduce Your CGT Bill
- • Use your £3,000 annual exemption (already applied above)
- • Transfer assets to your spouse to use their exemption too
- • Offset losses from other disposals against gains
- • Deduct allowable costs: legal fees, agent fees, improvements
- • Time sales across tax years to maximise exemptions